Journal of Payments Strategy & Systems

2006 - 2025

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Volume 16, issue 4, 2022

Editorial pp. 344-346

Gerard Hartsink

Why are open banking models in Europe underperforming? pp. 347-357

Gorka K. Briones De Araluze

Open banking and digital transformation in Italy: The current situation and the challenges ahead pp. 358-368

Liliana Fratini Passi

Digital euro issuance: A great opportunity with some risks pp. 369-380

Leopoldo Esposito

Key milestones for participants in the T2-T2S consolidation project: A template for banks that are onboarding to any financial market infrastructure pp. 381-388

Robert Bashford and Chiara Ciraso

The future of cross-border wholesale payments: Mobilising central bank money across borders pp. 389-398

Ruth Wandhöfer

How financial inclusion is evolving to make payments easier for all pp. 399-408

Vijay Bedarkar and Alison Conway

The dawn of next-generation payment infrastructure: The future of Zengin and financial services in Japan pp. 409-427

Eiichiro Yanagawa

Volume 16, issue 3, 2022

Special Issue: Next steps for cross-border payments pp. 200-203

Hartsink Gerard

Next steps for cross-border payments: Aligning ambition with action pp. 204-206

Klaas Knot

The G20 cross-border payments programme: A global effort pp. 207-218

Thomas Lammer and Tara Rice

The Nexus international payments platform: Is it business-model viable? pp. 219-230

Chusu He, Alistair Milne and Markos Zachariadis

Cross-border retail payments in the Tripartite Area in support of the African Continental Free Trade Agreement pp. 231-243

Juliet Rugeiyamu Kairuki and Arthur Cousins

A path towards enhancing cross-border payments: Breaking down the realities pp. 244-255

James Barclay and Masayuki Tagai

Synchronising instant payment systems to improve cross-border payment execution pp. 256-264

Erwin Kulk and Steve Ledford

The internal cards market in Europe from 2002 to 2020: A success or a failure? pp. 265-276

Diederik Bruggink

Managing the rising tide of settlement risk in cross-border payments and the future development of CLS pp. 277-282

Marc Bayle De Jessé

Developments in industry standards for cross-border payments pp. 283-291

Michael Knorr

Lessons learned from monitoring the costs of international remittances and global efforts to lower costs pp. 292-303

Oya Ardic and Harish Natarajan

A brief history of cross-border payments pp. 304-317

David O'Mahony

An overview of developments in South Africa's payments industry pp. 318-334

Maurits Pretorius, Jason Wang and Johan Buitendag

Volume 16, issue 2, 2022

Editorial pp. 104-106

Gerard Hartsink

Cash demand in times of crisis pp. 107-119

Gerhard Rösl and Franz Seitz

Forecasting banknote returns in a changing payments environment pp. 120-136

David Cronin and Niall Mcinerney

Designing an inclusive digital euro pp. 137-147

Ludovica Galotto and Maria Iride Vangelisti

How the Legal Entity Identifier supports the digitisation of business transactions pp. 148-159

Stephan Wolf

The European Automated Clearing Association and the role of clearing and settlement mechanisms in Europe’s evolving payments landscape pp. 160-169

José M. Beltrán and Fred Bär

Payment outages: Experiences and issues pp. 170-180

Tanai Khiaonarong, Ryan Rizaldy and Harry Leinonen

The payments industry in Australia: Status and future developments pp. 181-196

Andy White

Volume 16, issue 1, 2022

Editorial pp. 4-6

Gerard Hartsink

Mobile wallet payments in the time of COVID-19: The Indian experience pp. 7-16

Rishi Kumar, Vastav Ratra and Shravanth Mandava

COVID-19 and point-of-sale payments in Belgium: How the older generation also learned to love contactless pp. 17-27

Ellen Van Droogenbroeck and Leo Van Hove

What is money? A lawyer’s perspective on the evolution of the US payment system and dollars in the digital age pp. 28-38

Jess Cheng and Joseph Torregrossa

Getting the balance right: Crypto, stablecoin and central bank digital currency pp. 39-50

Wilko Bolt, Vera Lubbersen and Peter Wierts

An introduction to cross-border payments within the COMESA region of Africa pp. 51-67

Andrew M. Wamicwe

Building a global digital identity infrastructure pp. 68-74

Gottfried Leibbrandt and Daniel Goldscheider

Geldmaat: An example of ATM pooling in the Netherlands pp. 75-85

Erik Kwakkel and Victor De Wolff

Retail payment strategies: The approach in Portugal compared with the European Commission and the Eurosystem pp. 86-94

Rui Pimentel

`Payments and Market Infrastructure Two Decades after the Start of the European Central Bank` by Piet Mallekoote pp. 95-98

Piet Mallekoote

Volume 15, issue 4, 2021

Editorial pp. 352-354

Holti Banka

Developments in fast payments in the Single Euro Payments Area pp. 355-359

Javier Santamaría

Mind the gap: Digitisation and payment systems pp. 360-366

Ahmet Buğday, Ozan Deniz, Serdar Murat Öztaner and Emrah Şener

Pix: The Brazilian fast payments scheme pp. 367-375

Breno Lobo and Carlos Eduardo Brandt

Person-to-business instant payments: Could they work in Colombia? pp. 376-397

Carlos Alberto Arango, Ana Carolina Ramirez-Pineda and Manuela Restrepo-Bernal

Instant payments and cards: Apples and oranges or a possible substitute? pp. 398-409

Diederik Bruggink and Alessia Benevelli

Demystifying ISO 20022: Evaluating the benefits and limitations of new messaging standards pp. 410-418

Mike Gallaher and Chad Harper

Open banking: Opening up the ‘walled gardens’ pp. 419-431

Baran Aytaş, Serdar Murat Öztaner and Emrah Şener

Open banking in Europe: The effect of the Revised Payment Services Directive on Solarisbank and Insha pp. 432-444

Zhamal Nanaeva, Ahmet Faruk Aysan and Nasim Shirazi

Demystifying programmable money: How the next generation of payment solutions can be built with existing infrastructure pp. 445-454

Erwin Kulk and Petra Plompen

`The Pay Off: How Changing the Way We Pay Changes Everything` by Piet Mallekoote pp. 455-457

Piet Mallekoote

Volume 15, issue 3, 2021

Editorial pp. 232-233

Gerard Hartsink

Changing US consumer payment habits during the COVID-19 crisis pp. 234-243

Tom Akana

Income and banking access in the USA: The effect on bill payment choice pp. 244-249

Claire Greene and Joanna Stavins

The evolving role of the ‘collecting model’ in the payment service provider market pp. 250-259

Niklas Bartelt and Ulrich Hommel

Do we need a digital euro, or a digitisation of payments? pp. 260-276

Udo Milkau

The public, the private and the secret: Thoughts on privacy in central bank digital currencies pp. 277-286

David Ballaschk and Jan Paulick

An integrated approach for electronic identification and central bank digital currencies pp. 287-304

Michael Adams, Luca Boldrin, Ralf Ohlhausen and Eric Wagner

The phenomenon of de-risking: Unintended consequences and possible solutions pp. 305-318

Jorge Jimenez and Jose Labeaga

The European Payments Initiative: The next big thing in European payments? pp. 319-331

Ewald Judt and Malte Krueger

Country report: The payments industry in the Netherlands: Status and future developments pp. 332-348

Piet M. Mallekoote and Gerard Hartsink

Volume 15, issue 2, 2021

Editorial pp. 132-133

Gerard Hartsink

Payment infrastructure trends in Japan: Emerging technologies and alternative infrastructures pp. 134-149

Eiichiro Yanagawa

Establishing the trust anchor in the digital economy: The case for banks to become ‘data custodians’ pp. 150-164

Mounaim Cortet, Maarten Bakker, Pepijn Groen and Denise Hoppenbrouwer

Preparing euro payments for the future: A blueprint for a digital euro pp. 165-187

Eric Wagner, Diederik Bruggink and Alessia Benevelli

Consumer behaviour in a health crisis: What happened to cash? pp. 188-196

Kevin Foster and Claire Greene

The impact of merchant and mobile payments on financial inclusion in Asia-Pacific pp. 197-200

Zennon Kapron

Acceptance of digital payments among rural retailers in India pp. 201-213

Surabhi Koul, Sahil Singh Jasrotia and Hari Govind Mishra

Wholesale payment systems: Modernisation of the liability framework pp. 214-224

Robin Doyle

Volume 15, issue 1, 2021

Editorial pp. 4-6

Harish Natarajan

Sovereign digital currencies: Reshaping the design of money and payments systems pp. 7-22

Ross P. Buckley, Douglas W. Arner, Dirk A. Zetzsche, Anton N. Didenko and Lucien J. Van Romburg

Two paths to tomorrow’s money pp. 23-36

Tony Mclaughlin

Money and customer funds in the world of digital finance: Who really owns what? pp. 37-53

Biagio Bossone

Innovation and competition in payments: Evolving policy challenges pp. 54-66

Pablo Urbiola, Lucía Pacheco and Jesús Lozano

Did Wirecard ever matter? Reflections on the structure of the German e-commerce payment service provider market pp. 67-78

Niklas Bartelt and Ulrich Hommel

Digital wallet war in Asia: Finding the drivers of digital wallet adoption pp. 79-91

Putri Natasya Fanuel and Ahmad Nurul Fajar

Factors influencing the acceptance of proximity mobile payment in Germany: The example of Apple Pay pp. 92-108

Silke Finken and Louisa Heiduk

How small and medium-sized retail enterprises can make the best use of payment innovations pp. 109-117

Maria Iride Vangelisti

FinTechs and payments for international education pp. 118-126

Venkataramani Prakash